Call reports 2009
COMMERCIAL BANK — 2009
What COMMERCIAL BANK reported to the FFIEC in 2009, quarter by quarter.
Balance sheet
What the bank holds and owes at quarter end
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Total assets | 549,486,000 | 562,805,000 | 607,097,000 | 562,505,000 |
| Total loans | 475,664,000 | 487,155,000 | 469,046,000 | 396,123,000 |
| Allowance for loan losses | 10,676,000 | 11,157,000 | 12,473,000 | 10,056,000 |
| Securities available for sale | 56,132,000 | 51,384,000 | 48,988,000 | 58,307,000 |
| Securities held to maturity | 0 | 0 | 0 | 0 |
| Trading assets | 0 | 0 | 0 | 0 |
| Total deposits | 446,547,000 | 478,927,000 | 513,420,000 | 475,291,000 |
| Interest-bearing deposits | 403,404,000 | 432,946,000 | 466,010,000 | 425,398,000 |
| Noninterest-bearing deposits | 43,143,000 | 45,981,000 | 47,410,000 | 49,893,000 |
| Equity capital | 46,383,000 | 45,608,000 | 45,928,000 | 40,834,000 |
Income
Cumulative from the start of the year, as filed — Q1 covers January to March, Q2 January to June, Q4 the full year
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Interest income | 6,566,000 | 13,113,000 | 19,602,000 | 25,653,000 |
| Interest expense | 2,608,000 | 5,098,000 | 7,625,000 | 9,881,000 |
| Net interest income | 3,958,000 | 8,015,000 | 11,977,000 | 15,772,000 |
| Noninterest income | -326,000 | -1,797,000 | -2,745,000 | -1,970,000 |
| Noninterest expense | 2,190,000 | 4,856,000 | 7,353,000 | 10,204,000 |
| Provision for loan losses | 6,928,000 | 8,970,000 | 18,416,000 | 31,883,000 |
| Pretax income | -5,486,000 | -7,608,000 | -16,414,000 | -28,162,000 |
| Income tax | -2,175,000 | -3,043,000 | -6,491,000 | -5,851,000 |
| Net income | -3,311,000 | -4,565,000 | -9,923,000 | -22,311,000 |
Regulatory capital
Basel measures — not reported for every quarter
| Measure | 2009Q1 | 2009Q2 | 2009Q3 | 2009Q4 |
|---|---|---|---|---|
| Tier 1 capital | 45,158,000 | 44,635,000 | 44,765,000 | 39,479,000 |
| Total capital | 51,526,000 | 50,931,000 | 50,922,000 | 44,831,000 |
| Risk-weighted assets | 504,941,000 | 498,680,000 | 486,735,000 | 423,560,000 |